Natural hazards · Gladwin

Gladwin, MI natural hazards

Most of the natural-hazard damage FEMA expects in Gladwin comes from inland flooding, and overall the risk is low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Gladwin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gladwin to be higher than in 35% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves15%Tornadoes10%Strong wind7%Everything else9%

By hazard

What Gladwin faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

60% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 3 years in the area

Cold waves

15% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 38 years in the area

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Gladwin flood?

FEMA's records show no paid flood insurance claims in Gladwin.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gladwin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Gladwin County.

Disasters that hit Gladwin

Federal disasters declared here

None of the disasters declared for Gladwin County shows FEMA aid or repair money reaching Gladwin itself in FEMA’s records.

Brought FEMA money into GladwinDeclared for Gladwin County only

Gladwin County has had 9 natural disasters declared since 1953, most often severe storms and floods.

Around Gladwin

Gladwin and the towns around it

Very lowLowModerateHighVery high

Haymostly inland floodingModerate

Secordmostly inland floodingModerate

Gladwinmostly inland floodingLow

Sagemostly inland floodingLow

Buckeyemostly inland floodingLow

Butmanmostly inland floodingVery low

Gladwinmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Gladwin is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Gladwin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Gladwin. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.